Offset vs Investing, Helping Family with Property, and Big Lessons at 40

28 snips

Sep 11, 2025

Explore the pressing question of whether homeownership is necessary in Australia. Discover the re-contribution strategy and how it can impact your finances. Dive into the differences between holding ETFs directly and through share registries. Learn tips for buying investment properties while helping family. Gemma shares personal insights and valuable money lessons as she celebrates a milestone birthday, shedding light on evolving attitudes towards finance and homeownership.

Ask episode

AI Snips

Chapters

Books

Transcript

Episode notes

INSIGHT

Power Of Planning From Teen Years

Gemma learned early that money is a tool and planning makes big goals achievable.
She internalised that having a clear plan lets you tackle hard things like moving overseas at 18.

INSIGHT

Balance Over Constant Hustle

Gemma's thirties taught her boundaries and prioritising herself over constant achievement.
She emphasises balance between money, career and life as a late-thirties lesson.

ADVICE

Do One Wealth Strategy Consistently

You don't have to prioritise owning your home now, but build enough wealth to buy one if you want it in retirement.
Prioritise at least one of property, super or shares and be consistent over decades.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

From whether you really need to own a home in Australia to unpacking what a re-contribution strategy is, we’re diving into your biggest money questions. In this week’s Australian Finance Podcast Q&A, Owen and Gemma cover everything from offset accounts and investment choices to buying property for family and understanding how ETF holdings work.

Plus, it’s Gemma’s birthday episode – she reflects on her biggest money lessons from four decades of life and finance.

Questions answered in today’s Q&A:

- Do you need to own a home in Australia?

- I bought my first home last year using an inheritance for the deposit. Now more than half of my loan is offset with cash, and my rate is 5.53%. With interest rates dropping, should I leave it in offset or look at investing in shares, property, or something else?
- What is a re-contribution strategy and why would you use it?
- I’m more of a share investor, but I’d like to help family by buying an investment property. Where’s the best place to go for help?
- What’s the difference between holding my ETFs directly with BetaShares or Vanguard versus through a share registry like Computershare? And why is BetaShares prompting me to move my ETFs across?

Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Resources for this episode

- Owens webinar on 10% returns https://www.youtube.com/watch?v=XldMhJBY09Q

- Mortgage broking- https://www.raskmedia.com.au/services/mortgage-broking/

- Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aKAsk a question (select the Finance podcast): https://bit.ly/R-quest

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds: https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices